If JP Recovery Services has shown up on your credit report, it likely means an unpaid debt has been sent to collections. A collection account can hurt your credit score and make it harder to get approved for loans, credit cards, or even housing.
Here’s what you need to know about JP Recovery Services and how to work toward removing them from your credit report.
Who Is JP Recovery Services?
JP Recovery Services, Inc. (JPRS) is a debt collection agency based in Rocky River, Ohio. They help creditors recover unpaid debts, with a focus on medical bills and healthcare-related collections.
If you’ve fallen behind on payments to a healthcare provider, JP Recovery may be the agency contacting you or reporting the debt to the credit bureaus.
Who Does JP Recovery Services Collect For?
JP Recovery Services primarily works with:
- Hospitals and healthcare systems
- Clinics and medical offices
- Other healthcare providers
They focus on collecting unpaid medical bills on behalf of healthcare organizations.
Is JP Recovery Services Legit or a Scam?
JP Recovery Services is a legitimate debt collection agency. They are authorized to collect debts for their clients, but errors can happen. It’s important to verify the debt before agreeing to any payment.
How to Remove JP Recovery Services from Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but you may have options to remove them sooner:
- Dispute inaccurate information: If the debt doesn’t belong to you or the details are wrong, file a dispute with the credit bureaus.
- Request debt validation: You have the right to ask JP Recovery for written proof that the debt is valid. If they can’t provide it, they must stop reporting the account.
- Negotiate a pay-for-delete: Some collection agencies will agree to remove the account from your credit report if you pay. Always get this agreement in writing before sending any money.
- Work with a credit repair professional: Experts can help challenge negative items and increase your chances of removal.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay JP Recovery Services?
Before contacting JP Recovery or making a payment:
- Confirm the debt is yours
- Make sure the amount is correct
- Understand your rights under state law and the statute of limitations
Paying a collection account without a strategy can sometimes restart the reporting clock, keeping the item on your report longer. Many people work with credit repair professionals to avoid common mistakes.
Can JP Recovery Services Sue You or Garnish Your Wages?
Yes, JP Recovery Services has the legal right to sue you for unpaid debts. If they win a lawsuit against you, they may:
- Garnish your wages
- Levy your bank accounts
Wage garnishment laws vary by state, and certain types of income may be protected. Lawsuits are typically a last resort, but they are possible if the debt remains unpaid.
JP Recovery Services Contact Information
Address:
JP Recovery Services, Inc.
20220 Center Ridge Rd, Suite 200
Rocky River, OH 44116
Phone Number:
(800) 366-0109
JP Recovery Services Complaints
JP Recovery Services has received consumer complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate credit reporting
- Harassment or excessive phone calls
- Failure to verify debts
If you’re experiencing these issues, you can file a formal complaint and dispute the account on your credit report.
Your Rights When Dealing with JP Recovery Services
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you from unfair collection practices:
- You can dispute inaccurate information on your credit report
- You can request written debt validation within 30 days
- Debt collectors cannot harass, threaten, or use abusive language
- They must clearly identify themselves as a collection agency
- They cannot threaten legal actions they aren’t authorized to take
Knowing your rights can help you deal with debt collectors more effectively.
Get JP Recovery Services Removed from Your Credit Report
If JP Recovery Services is damaging your credit and you want help, consider working with a trusted credit repair company like Credit Saint. They’ve helped thousands of people remove negative items from their credit reports—and they even offer a 90-day money-back guarantee for added peace of mind.
Ready to clean up your credit? Visit their website or call (855) 281-1510 to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
